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Just curious what your thoughts were on agents being able to sell and make a living outside of the new Exchanges? Will there even be carriers even in that business? Will a very Liberal and Business-unfriendly State like mine(California) even allow that to happen?
I have seen some articles discussing how the market outside of the Exchangeswill be strong, especially with small group. I have doubts. Why would a carrier run two different product lines (inside and outside of the exchange) when they are faced with most of the same regulatory requirements? How would they make money? I also have read that States will have a lot of control on what the market will look like outside the exchange. In California, that would probably not look too good for the private market.
I’m just trying to see if there's hope for brokers like me in the small group arena. I don't see it. Especially when two big entities like the Government and the Health Insurance Companies want to get rid of you.
[FONT=Calibri","sans-serif]BTW, our office spent most of the morningstraightening out a claim problem for one of clients. Yeah, we're not needed.I'm sure a Navigator would have done the same (sarcasm).[/FONT]
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Couple of Articles:
Remember the People Outside of the Exchanges - Kaiser Health Reform
Inability to Disarm Exchange ‘Assassin’ May Leave Exchanges With Costly Enrollees (with Chart: Adverse Selection Tops Insurers’ Exchange Concerns) | AIS Health
I have seen some articles discussing how the market outside of the Exchangeswill be strong, especially with small group. I have doubts. Why would a carrier run two different product lines (inside and outside of the exchange) when they are faced with most of the same regulatory requirements? How would they make money? I also have read that States will have a lot of control on what the market will look like outside the exchange. In California, that would probably not look too good for the private market.
I’m just trying to see if there's hope for brokers like me in the small group arena. I don't see it. Especially when two big entities like the Government and the Health Insurance Companies want to get rid of you.
[FONT=Calibri","sans-serif]BTW, our office spent most of the morningstraightening out a claim problem for one of clients. Yeah, we're not needed.I'm sure a Navigator would have done the same (sarcasm).[/FONT]
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Couple of Articles:
Remember the People Outside of the Exchanges - Kaiser Health Reform
Inability to Disarm Exchange ‘Assassin’ May Leave Exchanges With Costly Enrollees (with Chart: Adverse Selection Tops Insurers’ Exchange Concerns) | AIS Health
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